Net sale proceeds

It begins with the expected sale price and subtracts, in order, everything that must be settled before the money is yours. The first item is usually the largest: the capital still owed to the bank, repaid at the moment of the deed through the distrate, the formal discharge of the mortgage.

An early repayment fee sits on top of that. The legal ceiling depends on the type of rate in the contract: up to 0.5% of the capital repaid on variable-rate loans, and up to 2% on fixed-rate ones. The temporary waiver that applied to variable-rate contracts ended at the close of 2025, so the fee is once again charged. The field is pre-filled with the legal maximum and can be edited, because your own contract may set less.

Next comes capital gains tax, where any is due. This field is deliberately editable: the exact figure depends on the year of purchase, the works carried out and household income, and it is the capital gains simulator that establishes it properly. Run that calculation, then bring the number here.

Last are the energy certificate, which is required before a property can be marketed, and an open field for any other cost you know of in your own case. What remains is the estimated net figure.

Seeing the arithmetic from the top down changes how it reads. A sale price that looks comfortable can turn tight where the outstanding mortgage is large and the property has appreciated little. The reverse happens just as often: modest-looking sales leave more in hand than expected, because there is no loan to discharge and no taxable gain.

That is what the bar at the top of the result is for. Keeping half the price and keeping four fifths of it are not the same decision, and that proportion is frequently what determines whether a sale makes sense now or some time from now.

The figure produced is an estimate built from what you entered. It does not replace the statements the bank and the notary issue, but it anticipates them with enough margin to decide on.

It does not handle co-ownership split in unequal shares, properties carrying charges or attachments, or loan agreements with special repayment terms negotiated with the bank.

Nor does it deal with timing. Between the promissory contract and the deed there are deadlines, deposits and sometimes conditions precedent that affect when the money becomes available, even where they leave the total untouched.

Reference values are those in force in 2026 and are reviewed annually.